What is your 💳 score?

[Credit Karma]

Share your credit score along with number of years since your first account opened (doesn't matter if it is closed currently)

Update March 2023

CIBIL - 738
Experian - 802
Equifax - 702
CRIF - 560

Credit History - 1.75 Years

 

[arjun697]

So you'd Experian score of 900 before 😮😮

Yep! Ignorance was best apparently! The first time I checked Experian was in August with a score of 900. Now I got the One Score app to check monthly and I got to see this come down 😀

 

[karanssh]

I dont check these very often as I always pay on time, but damn, this is nice.

 

[007007 is verified member.]

View attachment 5747
I dont check these very often as I always pay on time, but damn, this is nice.

Try the new version, it looks awesome (I have this - 3.14.35).

 

[avishj]

My current scores are as follows:

CIBIL - 780
Experian - 804
CRIF Highmark - 796
Equifax - 755

The CIBIL is recent, rest are outdated by ~20ish days.

Edit: FYI - My first CC was in Mar 2021. No credit history prior that. Current Age - 21.

 

[Tosh]

I am all over the place.
CIBIL - 724 (loan account not updated since July for some reason hence very high amount and high utilisation of which I have paid back some %)
Experian - 853 (Don't know why it is this high)
CRiF - 667 (went up by 41 last month... Was 626)
Equifax - 765 (Checked today for first time so cannot quote on trend)

Credit age - 1y11m

Bound to lower next month due to 2 credit card enquiries

Update Oct 18 - Cibil actually went up by 40 points even after 2 enquires in last 7 days

 

[avishj]

I am all over the place.
CIBIL - 724 (loan account not updated since July for some reason hence very high amount and high utilisation of which I have paid back some %)
Experian - 853 (Don't know why it is this high)
CRiF - 667 (went up by 41 last month... Was 626)
Equifax - 765 (Checked today for first time so cannot quote on trend)

Credit age - 1y11m

Bound to lower next month due to 2 credit card enquiries

Wow, those are some wildly different numbers! Mind sharing your journey?

 

[Tosh]

Wow, those are some wildly different numbers! Mind sharing your journey?

Sure nothing much actually.

Took a loan of 35L ~2 years ago. Thats how journey began. No change until 3 months back when I applied for DCB..

DCB had 3 inquiries once when I applied which was eventually rejected had them reopen the application but got one more enquiry for that somehow and after 7 days on day of approval last enquiry.

Then came cashback card. Applied in August approved in September.

Applied for IDFC CC 2 weeks ago (wanted to see if I am eligible for wealth they suggested Millennia so cancelled that application)

Then applied for APay ICICI yesterday which will have some impact on scores tomorrow when I update those reports.

My guess is loan was approved based CRiF inquiry hence low score. Nothing from Experian hence good score there. Cibil and Equifax for CC inquiries. Just a guess though.

 

[Avijeet]

CIBIL (One Score) - 801
Experian (One Score) - It Says "New to Credit"
CRiF (Cred) - 825
Equifax - Where to check?

 

[ashwinkashwink is verified member.]

CIBIL (One Score) - 801
Experian (One Score) - It Says "New to Credit"
CRiF (Cred) - 825
Equifax - Where to check?

Check here

Platforms to check Credit Score for free

If you don't wanna spend some ₹1k per annum on CIBIL membership (Which has it's own advantages ) ,then here are a few Options to keep you updated on your Credit Profile for FREE : OneScore - CIBIL + Experian (Once a Month)...

www.technofino.in

 

[Tosh]

I am all over the place.
CIBIL - 724 (loan account not updated since July for some reason hence very high amount and high utilisation of which I have paid back some %)
Experian - 853 (Don't know why it is this high)
CRiF - 667 (went up by 41 last month... Was 626)
Equifax - 765 (Checked today for first time so cannot quote on trend)

Credit age - 1y11m

Bound to lower next month due to 2 credit card enquiries

Update Oct 18 - Cibil actually went up by 40 points even after 2 enquires in last 7 days

So credit card enquiries are not that big a factor I guess.

 

[AnkTechno]

Check here

Platforms to check Credit Score for free

If you don't wanna spend some ₹1k per annum on CIBIL membership (Which has it's own advantages ) ,then here are a few Options to keep you updated on your Credit Profile for FREE : OneScore - CIBIL + Experian (Once a Month)...

www.technofino.in

thanks for the reshare

 

[cch]

Experian: 862
CIBIL: 782
HIGHMARK: 727
Equifax: 725
CRIF: 626

Platforms I use to check every month: PaisaBazaar and CRED.

Got my credit limit doubled from 3L to 7L last month for 3 Axis cards.

I got my first CC in 2018, close to 4 years back. Never had a late payment, no other credit accounts. Have had couple of instances of 80%+ utilizations but it normalises writhin 2-3 months of low credit usage.

Only CRIF reported lower credit score when my credit utilisation 2 months back was 99%. I’ve applied for 4 CCs in last 2 months, let’s see how much it dives. Already got a Magnus and APay ICICI card.

 

[avishj]

Experian 745
Crif 615
Cibil 787

Ohh, this makes more sense now. Hope your cards get approval!

 

[Wealth is my birth right!]

Knock knock mine cibil 792 day before checked and have 9 cards and applied today for magnus

 

[prc1990]

Experian: 862
CIBIL: 782
HIGHMARK: 727
Equifax: 725
CRIF: 626

Platforms I use to check every month: PaisaBazaar and CRED.

Got my credit limit doubled from 3L to 7L last month for 3 Axis cards.

I got my first CC in 2018, close to 4 years back. Never had a late payment, no other credit accounts. Have had couple of instances of 80%+ utilizations but it normalises writhin 2-3 months of low credit usage.

Only CRIF reported lower credit score when my credit utilisation 2 months back was 99%. I’ve applied for 4 CCs in last 2 months, let’s see how much it dives. Already got a Magnus and APay ICICI card.

CRIF and HIGHMARK are the same CIC i.e. CRIF HIGHMARK. Not sure why the scores for the same month are different.

 

[vip3rc5]

CIBIL - 779
Experian - 863
History - 5 Years
Started with Red Carpet card in my 2nd year of Engineering!
Got my first CC in March 2021
Total 8 CC's now All Unsecured

 

[Saif77]

Cibil - 750. As of today.

This year has been a roller coaster ride for me with cibil. Started my credit journey SEP’21.

 

[Credit Karma]

Experian: 862
CIBIL: 782
HIGHMARK: 727
Equifax: 725
CRIF: 626

Platforms I use to check every month: PaisaBazaar and CRED.

Got my credit limit doubled from 3L to 7L last month for 3 Axis cards.

I got my first CC in 2018, close to 4 years back. Never had a late payment, no other credit accounts. Have had couple of instances of 80%+ utilizations but it normalises writhin 2-3 months of low credit usage.

Only CRIF reported lower credit score when my credit utilisation 2 months back was 99%. I’ve applied for 4 CCs in last 2 months, let’s see how much it dives. Already got a Magnus and APay ICICI card.

What I have observed that CRIF is very sensitive score. They often react big to even a slightest of changes in credit behaviour. Don't know why but my CRIF is 667 when I have CIBIL of 735

 

[pandyag]

credit history 16 yrs
active cards 5

 

[vaibhav111vaibhav111 is verified member.]

Hi, credit history is 8year old.. have total 12 cc all are unsecured, crif 755